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What Goes Up, Must Come Down

June 7th, 2021 at 12:31 am

I am going to attempt to briefly touch on the big picture, but mostly just want to dive into the minutiae.

Yeesh, last week was some week from hell.  We've dived head first back into too many hospitalizations and disasters.  (If it's not infinite like it was before, I can deal with one bad week.  There are not enough hours in the day to get into it).  In addition, MH was out of town for two days (so I had to work and play Mrs. Mom, as opposed to Mr. Mom that the kids usually have, it was just a crazy day).   With things opening back up, the kids' schools are trying to cram a whole year into a week or two.  

I am exhausted! 

Big picture:  MH applied for his last unemployment check.  I used the last few checks to cover Orlando airfare and down payment on college room/board.  (He may be able to renew unemployment, I don't know.  Not worth the hassle and red tape at this point).

In my mind, I just lumped MH's last job as "dead" with the pandemic.  But we talked about it recently and I am moving it over to "plausible still has a job," category in my mind.  They'd open back up in the Fall.  If they were going to shut down this location, they would have already.  Fair enough.  I really haven't though about it other than "dead" since the pandemic started.  Plan for the worst.

Anyway, so we decided to just coast through summer and pull from savings if we need to.  We will regroup in the Fall.  If MH can't find a job by September, then we will regroup and make a longer term one-income plan.  For now, we have too much cash to really bother with it.  That said, he's never had work during the summer, since having kids (2003).  So it's probably a natural rhythym for us to pull back spending during summer months.  We are just going to play it slightly looser than we would if we knew 100% he was just going to give up and retire.  I don't know, still some limbo for probably 2-3 months.

We also have a bajillion big expenses coming up, hence the title of my post.  We've hit our savings goal this year per side bar (thanks to stimulus and unemployment), but I am not calling it as a completed goal yet.  Will have to wait and see where we end up at the end of the year.  I will deduct house maintenance and medical expenses that we will be paying next month, which will put us back under our goal.  Mostly I wanted to save $12,000 cash this year to pay for college (after cash flowing anything and everything else that might come up).  If it doesn't go to college or long-term savings, I will deduct (from sidebar/goal) if we spend down for other things.

I did receive $275 in car insurance rebates, due to the pandemic.   This works out pretty well because we just bought a new toaster oven (we had a price watch for a long time and it just dropped in price).  We also upgraded our blender.  I believe I paid $20-ish for that thing 20 years ago and we have been pretty hard on it.  Both have been really nice upgrades.  We spent $295 for the appliances and so will pay for most of that with the car insurance refunds.

MM(17) received some cash gifts from relatives and so I decided to go through our cash stash and will make a deposit this week.  I have way too much cash, I think it's just building up with not much going on.  In the end, I pulled out $150 that I'd like to deposit to help cover some expenses. 

Other expenses will come out of short-term savings.  We did book the hotel for college move-in week.  That will come from our vacation budget (short-term funds).  We also just found out that our annual family camp trip is on.  We thought we had canceled because we did not expect DL(15) to be vaccinated.  We moved to the waitlist for late summer, figuring he could get vaccinated after his birthday next month.  But anyway, that was a very pleasant surprise.  I booked the cat hotel because there's no way he is up to us leaving for 3 days.  The cat *freaked* when we left for one night and DL(15) stayed behind.  Again, vacation budget will cover that (the trip is otherwise free) and that still leaves some substantial dollars for Florida trip (which is mostly paid for already; free hotel and car rental).  

This weekend I made some good progress on freecycling.  Already gave away the old toaster and blender.  While at it, I spied a couple of electronics I had set aside to give away (but never got to).  I listed a printer and a drawing tablet.  MH spotted the tablet right before he went out, and rescued it.  I told him it was all his, but to put it away with is crap.  😁  It was a miscommunication, I thought no one wanted it.  I had a legit taker like one minute later, so MH was lucky I didn't give that away.  I've got one large item left listed, kind of surprised no takers yet.  Is probably the nicest thing we are giving away.  I did also give away 6 empty cat litter containers last week (nice plastic buckets).

This leaves me with four donation bags I don't know what to do with.  Will probably just presume things will open up and be more normal soon.   The charities stopped coming by for pickup; I was spoiled by that.   If they don't start coming by again, will have to figure out where to take this stuff.  When I have some time/energy I really need to do a clothes purge.  I was kind of thinking, "I really shouldn't be buying any clothes the rest of this year," and then my employer basically bought me a wardrobe.  4 shirts (with our logo), a second jacket and a really nice sweatshirt.  The sweatshirt is so cozy and comfortable, might wear it every day in the winter months.  So I have a pile of new clothes to launder and to figure out what to do with.  On the flip side of the coin, I went through my closet today and figured out what to wear for graduation.  I was buying up dresses on clearance, when I left my last job.  Thought I'd have more time between jobs and more than one interview.  Anyway, I can most definitely shop my closet for the rest of 2021.   It's nice not to have to go shopping to find a nice graduation dress.  I am happy with that aspect, just not happy with the clothes piling up everywhere.  I think it's a bit of an 'extra money/nothing else to do/more online shopping/less ease of purging" thing.  It seems pretty moot as I stare down this one-income summer.  "Buying more stuff" has fallen to the way bottom of my priority list.

2 Responses to “What Goes Up, Must Come Down”

  1. rob62521 Says:
    1623079630

    Certainly hope things work out and the place does open in the fall. How smart of you to have the savings so you can "coast" this summer.

  2. LivingAlmostLarge Says:
    1623257776

    I think that is a very solid plan!

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